Virtual Account Generation

The Virtual Account endpoint allows merchants to generate dedicated Nigerian bank account numbers (NUBAN) for their customers. The V2 engine utilizes permanent identity mapping to ensure that once a customer's identity is verified, their account remains a stable funding source for their wallet.

Identity Verification (KYC)

All Virtual Accounts are governed by CBN KYC regulations. Requests must include accurate BVN and Date of Birth. All requests must be authenticated via a Bearer Token in the header.

Endpoint Details

URL https://merchant.servinux.com/v2/index.php?action=create_va

Method POST

Request Parameters

Field	Required	Format/Description
first_name	Yes	Customer's first name as it appears on BVN.
last_name	Yes	Customer's last name as it appears on BVN.
email	Yes	Valid email for transaction receipts.
bvn	Yes	11-digit Bank Verification Number.
dob	Yes	Format: `MM/DD/YYYY` (e.g. 02/16/1992).
gender	Yes	Use `1` for Male or `2` for Female.

Request & Response Example

Sample Payload (JSON)

{
    "first_name": "John",
    "last_name": "Doe",
    "middle_name": "Mark",
    "email": "[email protected]",
    "mobile_num": "08123456789",
    "bvn": "11111111111",
    "dob": "01/24/2001",
    "gender": "1",
    "address": "Alen Road, Lagos State"
}

Successful Response

{
    "success": true,
    "message": "Virtual Account 9012345678 issued successfully.",
    "data": {
        "bank_name": "GTBank",
        "account_number": "9012345678",
        "account_name": "John Doe"
    }
}

Developer Note

The V2 specialized engine uses idempotency keys based on BVN. Attempting to generate multiple accounts for the same customer will return their existing dedicated NUBAN to prevent duplicates.